Compare the best rates from 12 car insurance companies in Massachusetts.
Across the Bay State, there are 76,200 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.
|2||National Grange Mutual||$815|
|9||Norfolk and Dedham||$1,057|
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Massachusetts drivers without a recent at-fault accident typically save 41% on their car insurance premiums, which beats the US average by 9%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$290||20.12%|
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Massachusetts is a relatively affordable state for teen drivers: the typical teen driver pays $4,210 per year — about $700 less than the national average for teens, but still four times more than the average driver in Massachusetts.
|Age||Annual Rate with Parents||Annual Rate Alone|
If you avoid at-fault accidents, speeding tickets, and DUIs, you can save money on car insurance. Insurance companies use your driving record as a way to predict the level of risk you present, so maintaining a spotless driving record will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in Massachusetts, one of the states in which insurance companies penalize poor driving most severely. In fact, a single speeding ticket could raise your car insurance rates by 20% in Massachusetts — and a DUI could raise your premiums by a substantial 49%.
|Rating Factor||Annual Rate||% Increase|
Liability coverage on a Massachusetts policy only provides coverage for injuries that you cause to another driver or their passengers within the state. Should you be driving outside of the state, adding Optional Bodily Injury to Others (OBI) coverage will financially protect you in the event that you are “at fault” in an accident outside of Massachusetts. This would also extend coverage to any passengers in your vehicle.
The coverage limits are determined by each individual state and normally split into three categories. In Massachusetts, the minimum is listed as 20/40/5 and explained below:
$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
Uninsured Motorist coverage is legally required in Massachusetts and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Massachusetts, the minimum is listed as 20/40 and explained below:
$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.
$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.
Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Massachusetts, the minimum PIP coverage limit is $8,000 per person.
Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Massachusetts.
If you happen to find yourself pulled over by a police officer in Massachusetts you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Newton, Massachusetts, and the most expensive in Revere, Massachusetts.
|Rank||City||Avg. Annual Premium|
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Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Massachusetts area, while also getting an insider view of the Bay State.
So, Massachusetts students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.